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in places like california and hawaii because of land use laws from the 1960's. second, if you look to the community reinvestment act, if you think that is the cause of the bubble, you have to explain why there was not a bubble in houston, raleigh, n.c., that winter? -- atlanta? it applied to those cities just as much as san francisco and miami, yet there were bubbles there and no balls in houston, omaha, -- bubbles in houston, ohio, -- global hawk, where have you. host: you conclude the book with "home ownership is not just an american dream, a dream of people all over the world. guest: that is absolutely right. a lot of research has shown that homeownership is one way to help people get out of poverty. if you want to start a small business, it turns out most are started with a loan on a business owner's home. if you want to put your kids through college, you can borrow against your home. homeownership is a way to build wealth. yet we have government saying we should get more people into apartments, fewer people into cinder the -- single-family homes. host: what is the track over l
the president from the eisenhower executive office building. the first family remains in hawaii for the christmas holiday vacation and the president returned mid-week last week and spending much of the weekend in negotiations and try to push his message and he made an appearance yesterday on nbc's "meet the press." the house remains in recess with a statement from the house republican whip kevin mccarthy who asked members to stay flexible saying that today's schedule remains fluid and members are advised to remain close to the capital. votes are possible pending action from the senate, please stay as flexible as possible. our phone lines are open so tell us what you think about all this as we approach, within 10 hours of the fiscal cliff deadline, no timetable on when votes would happen in the senate and later in the house. congress is taking up to the last second. it could be well into the evening if anything happens. you can also join the conversation on our facebook page. what is your message to washington -- forge a compromise or go over the cliff? let's get to your phone ca
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